Traditional Bank, Inc. mortgage approval rate & lending review
Traditional Bank, Inc. decided 583 mortgage applications and funded 540 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Traditional Bank, Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Traditional Bank, Inc. at a glance
Approval is 12.6 points above the 81.6% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 92% | 198 / 216 | 99% | $235K | 196 |
| Home improvement loans | 84% | 26 / 31 | 92% | $75K | 24 |
| Refinance | 93% | 99 / 107 | 100% | $185K | 99 |
| Investment property purchase | 100% | 135 / 135 | 97% | $245K | 131 |
| Investment refinance | 100% | 71 / 71 | 99% | $155K | 70 |
Traditional Bank, Inc. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Kentucky | 94% | $235K | 569 | 527 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Traditional Bank, Inc. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Fayette County, KY | Investment property purchase | 100% | 112 | 109 |
| Jefferson County, KY | Mortgage lenders | 89% | 109 | 96 |
| Fayette County, KY | Mortgage lenders | 94% | 100 | 93 |
| Fayette County, KY | Refinance | 92% | 88 | 81 |
| Fayette County, KY | Investment refinance | 100% | 65 | 64 |
| Fayette County, KY | Home improvement loans | 86% | 28 | 22 |
The county markets where Traditional Bank, Inc. made the most loans. Each link opens that market with every lender ranked.
Questions about Traditional Bank, Inc.
What is Traditional Bank, Inc.'s mortgage approval rate?
Traditional Bank, Inc. approved 94.2% of the 583 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 12.6 points above the 81.6% national rate for the same mix of loan types.
How often do borrowers take the loan Traditional Bank, Inc. offers?
Borrowers accepted 98% of the loans Traditional Bank, Inc. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Traditional Bank, Inc. make?
The typical home purchase mortgage loan Traditional Bank, Inc. made was $235K; across all loan types its typical loan ran from $75K to $245K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Traditional Bank, Inc. lend?
Traditional Bank, Inc. decided applications in 7 of the states Fat Boy Data covers, most of them in Kentucky, Indiana and Tennessee.
Can I apply to Traditional Bank, Inc. directly?
Yes. Traditional Bank, Inc. is a bank or credit union with 19 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Traditional Bank, Inc.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Traditional Bank, Inc. treats applications, then get a rate quote from the lender.